For banking, payroll, benefits and insurance

Reach startups before they pick a bank, payroll or insurer.

These choices get made once, early, and rarely switch. Fundz scores each new company registration in your footprint for the odds of a first raise, so your team calls the few likely to fund and grow. In a sealed Colorado test the top tier raised at 58 times the base rate; live on 2025 registrations, 1 in 38 filed a Form D within a year.

Walk through your market (15 min) Plan options

Registered in a new state, then raised

Each company was in the top tier when we scored its 2025 registration record alone, and announced a round within a year. Hits like these are the minority: about 1 in 38 top-tier companies filed a first Form D within a year. Checked against public reporting on Oct 14, 2026.

Salma Health
San Mateo, CA · brain health clinics
Registered in New York: Jul 25, 2025
Announced an $80 million Series A in Feb 2026, about 7 months later
Alva Energy
Cambridge, MA · nuclear power uprates
Registered in New York: Oct 8, 2025
Announced a $33 million Series A led by Playground Global in Feb 2026, about 4 months later
Scaling its engineering teams
Mueon
Hillsboro, OR · data center chips
Registered in Oregon: Apr 17, 2025
Announced a $15.5 million seed led by Intel Capital in Sep 2025, about 5 months later
Antimetal
New York, NY · cloud infrastructure software
Registered in New York: Jan 16, 2025
Announced a $20 million Series A led by Sound Ventures in Jun 2025, about 5 months later

What you get in Fundz

A ranked short list

New company registrations in 12 states, scored every day for the odds of a first raise. The top tier comes first, so you read a short list instead of thousands of filings.

Arriving and Just formed

Arriving companies already exist and are registering in your state, the group most raisers came from. Just formed companies are brand new. Each sits in its own lane.

Researched for you

Each company comes with what it does, its website and the evidence behind the match, marked Confirmed, Likely or Unconfirmed, or "not on the web yet" when it is still quiet.

Who to reach

The people tied to each company on one card, so the next step is a call, not more research.

Your pipeline

Move companies through New, In progress, Watching, Won and Passed, and mark Contacted, Replied or Meeting as you go.

Saved views and export

Save the states and lanes you work, and export the list to CSV for your CRM.

The numbers behind the score

Scored from the registration record alone. Sealed tests were opened once, at the end. The live check was measured in October 2026.

Registrations studied
1,714,963, of which 2,271 later raised (base rate about 1 in 935)
Sealed test, Colorado
Top tier raised at 6.19% (283 of 4,574, CI 5.53 to 6.92%), 58x the base rate
Sealed test, Connecticut
Top tier raised at 4.20% (82 of 1,951), 79x, a state the model never saw
Live check, 2025 registrations
3,201 top-tier companies; 2.7% (1 in 38, CI 2.2 to 3.3%) filed a first Form D within a year, 27x the 0.10% base
Coverage of raisers
76% of Colorado companies that raised were in the top three tiers, about 8% of registrations (Connecticut 68%)
Lead time
Median about 5 months from registration to Form D (middle half 51 to 337 days)
Who raises
About 70% were existing companies registering in a new state. Just formed companies at the top 1% raise about 1 in 200

Our earlier score published a 0.97% rate for its second tier. It measured 0.11% and we withdrew it. Read the full method and results

Related

Which new companies will raise?For recruitersFor startup attorneysFor fractional CFOs, consultants and advisors

Questions people ask

How do banks, payroll and insurance providers find startups before they choose a provider?

Reach them at registration. A startup picks its bank, payroll, benefits and insurance once, early, and rarely switches. Fundz scores each new company registration in 12 states daily for the odds of a first raise, so you call the few likely to fund and grow. In a sealed Colorado test the top tier raised at 58 times the base rate.

Why not wait for the funding announcement?

By the announcement the company usually has an operating account and is running payroll. The median company in our study filed its Form D about 5 months after registering, and the press release comes after that.

What about companies opening an office in my state?

They are most of the opportunity. About 70% of raisers in the study were existing companies registering in a new state, which often means people, payroll and insurance in that state. They sit in the Arriving lane.

How accurate is the Fundz raise score?

In sealed tests on 937,000 registrations nobody looked at while the model was built, the top tier raised at 6.19% in Colorado (283 of 4,574, 95% CI 5.53 to 6.92%), 58 times the base rate, and 4.20% in Connecticut (82 of 1,951), 79 times the base rate, in a state the model never saw. Checked live on 3,201 top-tier companies registered January to mid-October 2025, 2.7% (about 1 in 38, CI 2.2 to 3.3%) filed a first Form D within a year, 27 times the 0.10% base. Measured October 2026.

What are the limits?

A score is odds, not a promise: most top-tier companies do not raise within a year. Scores are less certain in states that do not publish where a company was formed (Texas, Pennsylvania, Iowa, Mississippi, Ohio and DC). Fundz scores registrations in 12 states daily, so a company that registers only elsewhere is not on the list yet.

Which plan includes it?

Inception is part of the Strategic plan. Book 15 minutes and we will pull up the top-tier companies registering in your footprint, or see plan options.

See which new companies in your footprint are likely to raise.

15 minutes on screen: tell us your states and the clients you serve, and we will pull up the ranked list with you. Inception is part of the Strategic plan.